Top 16 Buy Here Pay Here Dealers in Downey CA

Looking for a used car dealer in Downey CA but your credit is in bad shape?

Connect with top 16 buy here pay here Downey CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Downey's BHPH dealers is compiled after an extensive research based on customers’ reviews, rating, and location.

Favorable Outcomes:

  • Bad credit accepted
  • No or little down payment
  • Hassle-free process

Best Buy Here Pay Here Dealers in Downey CA

  • Sidney Auto Sales, CA

  • Cash or Finance Auto, CA

  • Petra Auto Sales Inc, CA

  • McKenna Audi, CA

  • Penske Toyota of Downey, CA

  • Have you ever considered buy here pay here Downey CA car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in Downey CA compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Downey buy here pay here dealerships and a typical local dealership is that with buy here pay here dealers, nearly everything goes through your local auto dealer directly. This means that the monthly bills are made to your local auto dealer, not through some bank or other outside lender, and that the actual financial contract for your car is between you and the dealer only, instead of a bank or other outside lender. Here we have listed best such dealers sorted by reviews rating and everything you need to know about. We have also created a complete profile of each dealer so you can get everything including of contact details at one place for your next car purchase.

    When a buyer needs to purchase a vehicle, they will need to approach the Downey dealer with financing needs. The financing will depend on many things, including the amount of the down payment, the credit score of the buyer, and the income of the buyer in Downey. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • Downey Nissan, CA

  • McKenna BMW, CA

  • Champion Chrysler Jeep Dodge RAM FIAT, CA

  • Downey Hyundai, CA

  • Pro X Motors, CA

  • Did you know? These BHPH Downey CA dealers are also good sources for full coverage vehicles. They will cover every repair and maintenance detail on a vehicle when the buyer makes a purchase here. This is because the vehicle's title will not have to be immediately released after the buy here pay here transaction. This ensures that the buyer will be fully protected in case of a repossession.

    The used-car buying experience is extremely easy when it comes to buying from a buy here pay here Downey dealership. The financing will actually be handled directly by the lending institutions that finance many different kinds of auto loans. Therefore, the buyers will never even have to step foot into a dealership to get the job done. The financing will be offered to them at the comfort of their own residence. Buyers are never under any obligation whatsoever to purchase anything from this particular dealership. As long as they can afford the payments, they can choose to buy here pay here.

  • Giant RV – Downey, CA

  • Honda World Downey, CA

  • Paramount Auto Center, CA

  • xpress auto sales inc, CA

  • Car Expo, CA

  • The phrase buy here pay here Downey CA car lots might have been coined recently to draw in buyers who don't have a lot of extra money to spend on their cars. Downey Buy here pay here car lots are those that do not require you to leave your home before you can buy your new car. These lots accept your payment in advance and usually give you a lot of time to shop around for the best deal. The reason these lots are so attractive is because you do not have to worry about financing your vehicle while at the same time still giving the dealer an opportunity to earn their fee. In order to make sure you are getting the right car, you want to be sure you are getting the best price possible.

  • Champion Alfa Romeo, CA

  • Why buy here pay here Downey CA car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here Downey CA car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH Downey CA dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here Downey CA Works

    When the bank says no to your car loan, the buy here pay here Downey CA car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here Downey CA dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here Downey CA car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here Downey CA Car lots Dealership

    The one thing is very true about buy here pay here Downey CA is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these Downey CA dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here Downey CA – Fast Approval Low or no credit score

    The buy here pay here Downey CA dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH Downey CA Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH Downey CA dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership Downey CA

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer Downey CA

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in Downey CA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Downey CA accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH Downey CA is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    Downey CA buy here pay here Reviews

    Here is what users says about Downey BHPH dealers listed here. You can read reviews of individual dealer at their profile page.

    1. buy here pay here Downey dealer review by Shana Beard

      Shana Beard rated Sidney Auto Sales

      I put off getting a car for a long time due to my credit issues, I expected it to be humiliating. Greg made me feel comfortable immediately. He gave me the BEST interest rate I could have expected and the SUV is beautiful! He put 4 new tires on it and I got a 2 year warranty. I have had the car two months now and I'm super happy! HIGHLY RECOMMEND GREG!!

    2. buy here pay here Downey dealer review by Forrest Cohen

      Forrest Cohen rated Sidney Auto Sales

      After a crazy couple weeks of car shopping I found Greg here at Sidney Auto Sales Downey. He is patient, honest and really went above and beyond to make it work for my budget when I got turned down because of my credit at other dealers. Greg made it really simple picking out my first car and was super professional when it came to presenting the car. I ended up going with a 2008 Honda Civic GX. Couldn't be happier with my decision on my first automobile! Ask for Greg and he will make it happen. I never imagined myself in a car so soon, really thankful for Sidney Auto Sales.

    3. buy here pay here Downey dealer review by Terry Rhodes

      Terry Rhodes rated Cash or Finance Auto

      BAIT AND SWITCH! CROOKS! Advertises cheap cars, makes you spend tons of time getting approved, then says there is an issue with the car and tries to switch to more expensive car. I gave them five stars because they are five-star crooks.

    4. buy here pay here Downey dealer review by Vivian Hernandez

      Vivian Hernandez rated Cash or Finance Auto

      I just love this place, everyone is so friendly dallas and Martin are awesome people approve everyone...

    5. buy here pay here Downey dealer review by paula awad

      paula awad rated Petra Auto Sales Inc

      Very Knowledgeable Trustworthy people! I've bought my car from Petra Auto sales! This is a fantastic business. Great people and very knowledgeable !They have a reputation for outstanding quality, Honesty, and integrity. Pricing on the cars and your trade in will be fair, the buying process is easy, no complications. I drove the car for couple years and no issues appeared. They also provide a great maintenance after sale. I will definitely go back again because of the excellent customer service and high quality vehicles.. you won't find a better used car dealer than Petra Auto Sales.

    6. buy here pay here Downey dealer review by Chris Zavaleta

      Chris Zavaleta rated Petra Auto Sales Inc

      Petra auto shop has helped me with purchasing my second vehicle. The first one I purchased was a Ford mustang GT that had a bit of miles but lasted me a long time. Car was great, payments were doable and I was very happy. Yesterday I purchased my second vehicle from them, a 2014 Nissan Maxima. Good miles, vehicle runs great, smooth, clean and overall affordable. The shop is not eager to just sale you any car, they look for what's best for you and what you can afford. Even with my not so good credit, I got a great deal. Overall good service, great vehicles and easy purchase. I would definitely recommend.

    7. buy here pay here Downey dealer review by Victor Salazar

      Victor Salazar rated McKenna Audi

      I went in for a air bag recall, great customer support and really friendly people.

    8. buy here pay here Downey dealer review by Tony Segreto

      Tony Segreto rated McKenna Audi

      Hayden at McKenna Audi is amazing. I live in the South Bay, and since Audi Pacific is the worst, Hayden has my S5 flat-bedded to McKenna and provided a loaner car for me straight to my house. Super friendly service, better in every aspect than Audi Pacific (they suck).

    9. buy here pay here Downey dealer review by tak yan

      tak yan rated Penske Toyota of Downey

      Excellent customer service!!! Alex Ramirez, the gentleman has been our service person for years! at Penske Downey. He always has great warm welcome attitude and provide us the service that we need for our cars. And that's what we love that about him. I definitely recommend all my friends and families, that owns a Toyota vehicle to Senor Alex R. Thanks again for the EXCELLENT service you just provided me on 3-3-2020 :)

    10. buy here pay here Downey dealer review by Phil Yamamoto

      Phil Yamamoto rated Penske Toyota of Downey

      I get asked all the time by people why I prefer to take my Toyota Cars to Penske Toyota and I always tell them two words: Richard Tee. Richard is the top guy service writer at Toyota Penske, and he's a worker. I've been taking my cars to Richard since 2002 or so... and he's never let me down or disappointed and he actually likes his job and the company he works for... Penske Toyota. Most of the service writers at Penske are friendly and warm, but when it's their time to go home, they're gone immediately. Where's Richard?... long after everyone has gone home, this guy is still doing paperwork long into the night as he takes a lot of pride in his job, and you just don't see that anymore in too many people. I trust Penske Toyota and I trust Richard Tee as my service writer, and don't take your Toyota car or truck anywhere else.

    11. buy here pay here Downey dealer review by Issis Vargas

      Issis Vargas rated Downey Nissan

      I went in for a service job and the experience was great! I was treated with respect and care through and through. Everything was explained to me in a clear and concise manner. I could not have asked for a better experience. I would like to thank my representative Maury for being so amazing and patient with me.

    12. buy here pay here Downey dealer review by victor alvarez

      victor alvarez rated Downey Nissan

      If u need help on parts talk to.this man he is a real helpful on getting what u need mando padilla great customer service keep it up bro

    13. buy here pay here Downey dealer review by Andrew Assaf

      Andrew Assaf rated McKenna BMW

      If you are interested in getting a car ask for Noah Schmerling from Mckenna BMW. He provided great service to me when I was seeking out my new car. He made it very easy and helped me get the best deal I could possibly get. Very thankful for his and the Dealerships help.

    14. buy here pay here Downey dealer review by Paren Derbedrossian

      Paren Derbedrossian rated McKenna BMW

      Took my car in for an oil change, great service. No headaches, no complaints.

    15. buy here pay here Downey dealer review by edith sanchez villegas

      edith sanchez villegas rated Champion Chrysler Jeep Dodge RAM FIAT

      Could totally rate this dealer as my best experience!!!! I’m a first time buyer and I can ensure I felt great with the service I was offered as well help! Can’t describe the excitement of being able to buy my first car ? David Vasquez helped me get the best car that not only looks great! But it also matches all my needs! Thank you!

    16. buy here pay here Downey dealer review by Liz Giran

      Liz Giran rated Champion Chrysler Jeep Dodge RAM FIAT

      My family and I knew exactly what we wanted when we came in. Manny, along with the other staff members were excellent! They answered every question and met our budget. They made our purchase smooth. We’ll be coming back soon for another vehicle! Thank you guys!

    17. buy here pay here Downey dealer review by Denean Russell

      Denean Russell rated Downey Hyundai

      We closed a deal at Downey Hyundai and it was the best decision I’ve ever made. Our salesmen Ravi and Shy were very transparent, perfect gentlemen and very professional, from our interaction via telephone all the way to the dealer. Something that is a rare find in the car dealership world. We went in and got the car we wanted. Everyone at Downey Hyundai responded very kindly and professional. It was a pleasure doing business with both Ravi and Shy.

    18. buy here pay here Downey dealer review by John Rodriguez

      John Rodriguez rated Downey Hyundai

      A perfect place to buy a new Hyundai

    19. buy here pay here Downey dealer review by Zak i

      Zak i rated Pro X Motors

      I really enjoyed dealing with Eric. Though I didn't end up purchasing from them, they had friendly, accommodating attitude without the traditional closing tactics that make these sort of visits so awkward. Ask for Eric, he'll take care of you.

    20. buy here pay here Downey dealer review by JANETH GARCIA BENITEZ

      JANETH GARCIA BENITEZ rated Pro X Motors

      Thank you for the new car Erick and Sebastian a great deal for the car a good dealership also good service

    21. buy here pay here Downey dealer review by Kathi Wegener

      Kathi Wegener rated Giant RV – Downey

      My Mercedes Winnebago RV was ready for pick up, being in lockdown isolation and no one to take me to pick it up Corey, from the service dept. had it delivered to my driveway. All my experiences with Giant Rv has been positive from Greg in sales to Corey in service. Thank you for such a positive experience and a cool RV.

    22. buy here pay here Downey dealer review by Norma Celis

      Norma Celis rated Giant RV – Downey

      Awesome personnel. They treat you with respect and are very knowledgeable of their RV's. Amazing prices too. After going to 3 rv places their great customer service got us here. Both Dan's (sales guy Delgado and other Dan) and Vicki are amazing. Will def be back .

    23. buy here pay here Downey dealer review by Jorge Lozano

      Jorge Lozano rated Honda World Downey

      Excellent service and very honest answers. The Honda representatives are courteous and attend to your needs. The prices are a bit high but is well worth it if you don't trust other places.

    24. buy here pay here Downey dealer review by Bertha Dominguez

      Bertha Dominguez rated Honda World Downey

      I met my beautiful Blue SPORTHonda Accord 2.0 here 1 month ago. Carlos

    25. buy here pay here Downey dealer review by EntrepreneurQueen Diaz

      EntrepreneurQueen Diaz rated Paramount Auto Center

      Super Fast & Very friendly service. Bought our second car here. Owners are great people, do everything to help with the buying car service. Highly recommend this place.

    26. buy here pay here Downey dealer review by Salvador Romero

      Salvador Romero rated Paramount Auto Center

      Bought this baby, on 8/26/19 great cars and truck's here.

    27. buy here pay here Downey dealer review by R N

      R N rated xpress auto sales inc

      I was looking for a specific truck. My search was Nationwide. After having several deals fall through, I came across the exact truck from this dealership. I worked with Ricky. I appreciated his bold no BS approach. I think some people might be off put by it, but in all honesty it's the best kind of attitude you want when you're spending a significant amount of money on a vehicle. I did my research and was fully prepared! Even hired a mobile mechanic to do a safety inspection. The mechanic was impressed, so was I. I flew into Long Beach, where Ricky picked me up curbside in my new truck! All the paperwork was prepared and I was on the Rd back to Washington in less than an hour. Small dealership, big hearts! Very truly yours, Satisfied customer.

    28. buy here pay here Downey dealer review by L 1

      L 1 rated xpress auto sales inc

      Absolutely amazing service brought a car today it's perfect and would recommend them to anyone looking for a car. 1st class outfit. Ask for Luis Valenzuela he's an absolute gentleman!

    29. buy here pay here Downey dealer review by Jeremy Davison

      Jeremy Davison rated Car Expo

      Richard helped me get the exact Jeep Wrangler I was looking for and was able to work with the bank to get the payments and down payment where I needed it. Great selection of Jeeps. I’ll be back for my next Jeep purchase

    30. buy here pay here Downey dealer review by Yolanda Reeves

      Yolanda Reeves rated Car Expo

      I have had nothing but EXCELLENT customer service with this company and all the workers. My sales rep Richard was very friendly and knowledgeable. He handled the phone call answering all my questions and directing me to the easy online loan application. Jose the manager assisted with the fast approval over the phone continuing to extend the best Customer Service. When i went to pick up my truck I was greeted with a big friendly smile from Freddie welcoming me & congratulating me for my purchase. Fernando finished the final paperwork continuing the best Customer Service across the board. My 2012 Ford Expedition truck was clean no problems as they described. I took it for a full diagnostic and there was no concerns like buying a Certified Vehicle. I highly recommend purchasing from this company.

    31. buy here pay here Downey dealer review by Steve Lim

      Steve Lim rated Champion Alfa Romeo

      AAA+++ customer service received at Champion Alfa Romeo!!!! Sales consultant Jaime Paez did an outstanding job in showing me what an Alfa Romeo is all about. I also, want to Thank Brenda Zambrano Sales Manager for making it possible for me to take Home a Brand New 2018 Alfa Romeo Giulia Ti Sport!!!!! Brenda was able to put a Deal together that I couldn’t pass up. Thank you so much Brenda, I LOVE my New Alfa Romeo.....

    BHPH Downey CA dealer

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